About State Bank of Patiala

State Bank of Patiala is one of the nationalized bank and an associate bank to State Bank of India. The bank offers a host of products such as deposits, loans, mutual funds, life insurance, general insurance, credit cards and much more. The shareholders of State Bank of Patiala enjoys lucrative returns and the community continues to flourish in extraordinary services such as business loan encompassing educational loans for vocational courses and training, export credit in foreign currency etc.

Lucknow is rated as the top 15 cities of India by GDP, also counted as one of the parameters to be involved in the economic growth of India.

The leading industries have transpired itself throughout the years on the region of Lucknow comprising urban agglomerates such as aeronautics, machine tools, distillery chemicals, furniture and Chikan embroidery, thanks to the financial infusion from the local government in liasion from the banking sector including State Bank of Patiala, Lucknow.

The city is also traversing its horizon in IT industries which seeks shelter in the city. This happens only due to the financial assistance obtained from the local government including State Bank of Patiala Lucknow. Moreover, the flexible interest rates offered by the bank has completely fulfilled the needs of the Lucknow customers and outside cities to the fullest.

Branch Addresses of State Bank of Patiala Lucknow

Branch Name

Complete Address

IFSC

MICR

Contact Number

Lucknow V.S.M.

21 Vidhan Sabha Marg Post Box No 14 UP - 226001

STBP0000278

226007002

0522-2216048/2248561/R-2308568

Lucknow Ganesh Ganj

Arya Samaj Mandir, Ganesh Ganj, Lucknow, UP - 226018

STBP0000344

226007004

0522-2681376/R-2419317

Lucknow Memora AFS

Air Force Station P.O Banthara UP - 227101

STBP0000449

NON-MICR

0522-2864111/2351748 (PP)

Lucknow (Picup)

Picup Office Vibhuti Khand Gomti Nagar Lucknow UP

STBP0000643

226007003

0522-2720812/R-2395672

Lucknow Jawahar Bhawan

16 Ashok Marg Lucknow - 228001

STBP0000716

226007005

0522-2286881/R-2392964

Aashiana, Lucknow

Cp - 5/I, Sec - I, Anurag Plaza, Aashiana, Lucknow

STBP0000824

226007007

0522-2421152

Aliganj Lucknow

Aishwarya Plaza - 1, Block No 4, Sector - 4, Aliganj, Lucknow

STBP0000826

226007006

0522-2762202

Indra Nagar, Lucknow

Plot No.1 & B, Ishwarpuri, Sector - 12, Indra Nagar, Lucknow

STBP0000832

226007008

9451175877

Jankipuram

B2 133, Sec F, Sitapur Road Scheme, Jankipuram, Lucknow - 226020

STBP0001291

NON-MICR

0522 2733380

Newalganj

Newal Ganj Vill Newalganj Tehsil Distt Unnao

STBP0001413

NON-MICR

8400075075

Products Offered by State Bank of Patiala Lucknow

Product

Eligibility

Loan Amount

Interest Rate

Processing Fee

Tenure

Home Loan

More than 21 years of age and less than 70 years of age at the time of loan maturity(5 years age relaxation for pensioner’s i.e. loan fully repaid before age of 75 years)

Loans upto and including ₹ 75 lakhs and above

8.65%-9.05% p.a.(floating)

0.35% of the Loan amount plus applicable Service tax (with a minimum of Rs.2000/- plus applicable service tax and maximum of Rs.10000/- plus applicable service tax)

Upto 30 years

Personal Loan

(1) Salaried, self-employed individual is eligible to apply

(2) Age limit should be more than 21 years and less than 70 years at the time of loan maturity

Minimum – ₹ 1 lac

Maximum – ₹ 10 lacs

11.95%-13.95% p.a.

1.01% of the Loan amount

Upto 5 years

Car Loan

Salaried :

(i) Net annual income ₹ 3,00,000 and above

(ii) Net monthly income should be at least 2 times of EMI

Self Employed and Professionals:

Net annual income ₹ 4,00,000 and above for the last year as per Income Tax Return.

Persons engaged in agriculture and allied activities:

Net annual income ₹ .4,00,000 and above.

No limit for Term LoanOverdraft : ₹ 3 lakhs

New Vehicle(General and Agri) Term Loan-9.35% p.a.

Car Used Vehicle -8.30%

0.50% of the loan amount

Upto 7 years

Business Loan

New entrepreneurs wishing to start their own business.

New and existing Micro and Small Enterprises engaged in Manufacturing and Service sector.

But retail or wholesale trade, educational institutions, training institutions and SHGs are not eligible.

Maximum upto ₹ 100 lakhs.

Vayvasai Suvidha:16.70% p.a

Micro & Small Enterprises Loan:9.20%-15.70%

Processing and service charges will be 50% of the normal rates

Max. 7 years including moratorium period of 6 months -1 year.

Loan Against Property

Individuals who are :a) employeesb) engaged in agriculture and allied activities.Maximum age limit: 60 years.

Identity Proof- PAN Card/Voter ID/Driving License/Aadhar Card/Passport Address Proof- Utility bill/Passport/Aadhar card/Voter ID Income Proof- Latest Salary Slip/ ITR/Form-16 Other Income Proof for Salaried IndividualLetter of Authority from Employee authorizing the employer to deduct monthly installment out of salary for remitting to bank and Letter of Undertaking from the employer for check off facility OR Letter of Authority from employee/ applicant authorsing the Bank to deduct the loan instalment out of the salary routed through branch.Other Income Proof for self-employed professionals IT returns for the last two financial years. Proof of professional qualification (Copy of highest professional degree held). Proof of office/commercial address.

Bank Statement- Last 3-6 Month Bank Statement

Car Loan

Statement of Bank account for last 6 months of the borrower. Two passport sized photographs of borrower/guarantor(s)Signature identification from Banker of borrower/guarantor.A copy of passport/voter ID card/PAN ID card.Proof of residence. Latest salary slip showing all deductions and TDS certificate – form 16 in case of salaried persons. Copy of income tax return for last two financial years duly acknowledged by ITO for professionals, self employed and others. Proof of official address for non- salaried individuals

Copy of the Trust Deed Copy of the registration certificate Copy of the Resolution of the Trustees authorizing the members concerned to open and operate the account Photographs of the members operating the accountAssociations/Clubs

By-laws of the Association Copy of the Resolution by the board authorizing the members concerned to open and operate the account Photographs of the members operating the account

Partnership FirmPartnership Deed Letter from partners approving the persons concerned to open and operate the account Photographs of the persons operating the account

Public or Private Limited CompaniesBoard Resolution / Authority LetterMemorandum & Articles of AssociationCertificate of IncorporationCertificate of Commencement of Business (Public Limited Company)Form 32 in case list of directors are not original subscribers to Memorandum & Articles of Association (in case of Private Limited Cos) Duly acknowledged by ROCGoverning Act / Rules and Regulations(PSUs) (certified true copy)

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